DISCLAIMER

Indemnity
and Disclaimer

INDEMNITYYOU
AGREE TO INDEMNIFY AND HOLD RATNA ASSOCIATES, AND ITS
SUBSIDIARIES, AFFILIATES, OFFICERS, CO-BRANDERS OR OTHER
PARTNERS, AND EMPLOYEES, HARMLESS FROM ANY CLAIM OR DEMAND,
INCLUDING REASONABLE ATTORNEYS' FEES, MADE BY ANY THIRD PARTY
DUE TO OR ARISING OUT OF YOUR USE OF THE SERVICE, YOUR
CONNECTION TO THE SERVICE, YOUR VIOLATION OF THE TOS, OR YOUR
VIOLATION OF ANY RIGHTS OF ANOTHER.

DISCLAIMERTHE
SITE MATERIAL IS MADE AVAILABLE AT THE WWW.RATNAASSOCIATES.COM
WEBSITE ISTRICTLY AND ONLY ON AN "AS IS" BASIS,
WITHOUT WARRANTIES OF ANY KIND. WWW.RATNAASSOCIATES.COM
EXPRESSLY DISCLAIMS ANY REPRESENTATIONS AND WARRANTIES, EXPRESS,
IMPLIED OR STATUTORY, INCLUDING INTER ALIA AS TO MERCHANTABILITY
AND FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT,
FREEDOM FROM COMPUTER VIRUS IN RESPECT OF THE SITE MATERIAL OR
ARISING FROM A COURSE OF DEALING OR COURSE OF PERFORMANCE AT THE
RATNAASSOCIATES.COM WEBSITE.

WWW.RATNAASSOCIATES.COM
MAKES NO WARRANTY, REPRESENTATION OR GUARANTY AS TO THE CONTENT,
SEQUENCE, ACCURACY, TIMELINESS OR COMPLETENESS OF ANY SITE
MATERIAL OR THAT THE SAME MAY BE RELIED UPON FOR ANY REASON. IN
ADDITION, WWW.RATNAASSOCIATES.COM
DOES NOT REPRESENT OR WARRANT THAT THE INFORMATION ACCESSIBLE
VIA THIS SITE IS ACCURATE, COMPLETE OR CURRENT.

IN
ADDITION, WWW.RATNAASSOCIATES.COM
DOES NOT REPRESENT OR WARRANT THAT THE INFORMATION ACCESSIBLE
VIA THIS SITE IS ACCURATE, COMPLETE OR CURRENT or DOES IT
UNDERTAKES, EXPRESSLY OR IMPLIEDLY, TO MAKE IT SO.

INFORMATION,
INCLUDING AVAILABILITY THEREOF, AND GOODS & SERVICES,
INCLUDING THE PRICE AND DELIVERY TIMES THEREOF, ARE ALL SUBJECT
TO CHANGE WITHOUT NOTICE.

LIMITATION
OF LIABILITYWWW.RATNAASSOCIATES.COM
SHALL HAVE ABSOLUTELY NO LIABILITY IN CONNECTION WITH THE SITE
MATERIAL INCLUDING ANY LIABILITY FOR DAMAGE TO YOUR COMPUTER
HARDWARE, DATA, INFORMATION, MATERIALS, OR BUSINESS RESULTING
FROM THE INFORMATION OR THE LACK OF INFORMATION AVAILABLE ON THE
RATNAASSOCIATES.COM WEBSITE.

RATNAASSOCIATES.COM
SHALL HAVE NO LIABILITY FOR (A) ANY LOSS OR INJURY CAUSED, IN
WHOLE OR IN PART, BY ITS ACTIONS, OMISSIONS, OR NEGLIGENCE, OR
FOR CONTINGENCIES BEYOND ITS CONTROL, IN PROCURING, COMPILING,
OR DELIVERING THE SITE MATERIAL; (B) ANY ERRORS, OMISSIONS, OR
INACCURACIES IN OR RELATING TO THE SITE MATERIAL REGARDLESS OF
HOW CAUSED, OR DELAYS OR INTERRUPTIONS IN DELIVERY; (C) ANY
DECISION MADE OR ACTION TAKEN OR NOT TAKEN IN RELIANCE UPON THE
SITE MATERIAL; (D) ANY LOSSES OR DAMAGES WHATSOEVER, WHETHER IN
CONTRACT, TORT OR OTHERWISE, FROM THE USE OF, OR RELIANCE ON THE
SITE MATERIAL OR FROM THE USE OF THE INTERNET GENERALLY.

IN
NO EVENT SHALL ratnaassociates.com BE LIABLE FOR ANY FOR ANY
SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE
DAMAGES FOR ANY LOSS OF PROFITS, GOODWILL, USE OR OTHER
INTANGIBLE LOSSES INCLUDING IN NEGLIGENCE, WHETHER REMOTE,
PROXIMATE OR FORESEEABLE, AND WHETHER OR NOT RATNAASSOCIATES.COM
HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, ARISING OUT
OF OR IN CONNECTION WITH (A) THE USE OR THE INABILITY TO USE THE
SERVICE; (B) THE COST OF PROCUREMENT OF SUBSTITUTE SERVICES
RESULTING FROM ANY GOODS, DATA, INFORMATION OR SERVICES GATHERED
OR OBTAINED OR MESSAGES RECEIVED THROUGH OR FROM THE SERVICE;
(C) UNAUTHORISED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS
OR DATA; (D) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE
SERVICE; OR (E) ANY OTHER MATTER RELATING TO THE SERVICE,
RATNAASSOCIATES.COM WEBSITE OR THIS AGREEMENT.

NOTWITHSTANDING
THE GENERALITY OF THE FOREGOING, AND IF THE FOREGOING IS HELD OR
FOUND TO BE AN INVALID OR IMPERMISSIBLE EXCLUSION BY REASON OF
EXPRESS STATUTORY PROHIBITION AGAINST SUCH EXCLUSION, THEN YOU
EXPRESSLY AGREE THAT THE LIABILITY OF RATNA ASSOCIATES("THE
OWNER") ON ANY ACCOUNT AND FOR ANY REASON IS RESTRICTED TO
THE MAXIMUM AMOUNT RS1000.

GOVERNING
LAW & JURISDICTION

The
owner ofthe domain (www.ratnaassociates.com) is an
Indian firm, based in India and is rendering service from India,
even though the website address may be Located ANYWHERE in the
world. However, the entire management and all the business
activities including the providing the contents of the website,
providing service, information, materials, data, etc., are
organised, updated and maintained by the Owner from India and
are controlled from India.

The
laws of the Republic of India govern this Agreement. Before
being permitted to use this Service, you must expressly accept
the entire terms and conditions of this contract without any
modification or reservation and only thereupon will you be
permitted to use the ratnaassociates.com Website and the
Service, irrespective of where you or your organization are
located.

This
Agreement is deemed to have been signed and executed in
Bangalore, India and you expressly submit yourself to the
exclusive jurisdiction of Courts in Bangalore, India, in respect
of any disputes arising in any manner out of or relating to the
ratnaassociates.com Website, the Service, the Site Materials,
this Agreement or your use or understanding thereof.

You
expressly waive any objection of whatsoever nature to Indian
jurisdiction and agree not to raise any objection or take any
plea as to Indian jurisdiction on the ground of forum
inconvenient, delay, expense, hardship or otherwise howsoever.

You
further expressly agree not to initiate any legal proceedings
against the Owner in respect of any matter relating to or
arising out of the www.ratnaassociates.com
Website, the Site Material, the Service or this Agreement or its
use, interpretation or understanding in any jurisdiction except
that of the courts in Bangalore, India.

You
expressly agree that in the event of any litigation being
commenced by you or anyone claiming under you or associated with
you against the Owner in any jurisdiction other than that of the
Courts in Bangalore, India, then you will consent in and support
an application for the stay of legal proceedings in such other
jurisdiction so that the parties concerned may adopt appropriate
legal proceedings in local Indian jurisdiction.